Frequently Asked Questions
Login
> What if I forgot my Login ID or PIN (Password)?
> Can I change my WealthManager ID and/or PIN#?
Setup
> What software or hardware do I need to use Online Banking?
> Can I access WealthManager Online Banking from any computer?
> Can I have WealthManager Online Banking without Cash Management?
> How can I add accounts to my Online Banking after the initial setup?
Features
> Can I transfer funds between my BNC National Bank Accounts?
> Can I get copies of my checks or statements?
> Are my transactions immediately posted to Online Banking?
> How many days should I allow to ensure my bill pay items arrive at the payee company?
Fees
> How much does WealthManager Online Banking cost?
> Is there a fee for transferring between accounts?
> Can I download to Microsoft Money, Quicken or a similar program?
Misc
> Are there any Non-Processing Days for Cash Management customers?
Security
> Is WealthManager Online Banking secure?
> What is encryption and what level do I need?
> How secure is my information I use online?
> Is any of my information stored on my local computer for others to view?
Questions and Answers:
Q
-
What if I forgot my
ID or Password (PIN)?
A - Forgot your ID or
PIN? Please call toll free at 1-800-BNC-BANK to get
re-activated or email to
web@bncbank.com. We will be happy to assist you.
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Q
-
Can I transfer
funds between my BNC National Bank Accounts?
A
- Yes, you can transfer funds between any of your BNC
accounts that you have linked to your WealthManager Online Banking.
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Q
-
How much does
WealthManager Online Banking cost?
A
- Access to WealthManager Online banking is free. There is an additional charge for the Cash Management features.
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Q
-
Can
I have WealthManager Online Banking without Cash Management?
A
- Yes,
Cash Management has separate features and is geared for the commercial
customers. The regular WealthManager Online Banking is FREE to
all BNC customers.
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Q
-
Is WealthManager
Online Banking secure?
A-
Yes, BNC National Bank has implemented nationally recognized,
sophisticated networking architecture consisting of data encryption
throughout the transmission to prevent unauthorized access or
interception. You will notice a lock symbol in the lower right
hand corner of your browser window which signifies the
security id.
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Q
-
What
software or hardware do I need to use the WealthManager Online
Banking?
A
- A computer that can
access the Internet and an Internet browser software. Upgrade to
the latest version......
Microsoft Internet Explorer
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Q
-
Can I get copies of
my checks or statements?
A
- Yes! Through WealthManager Online Banking you are able
to print copies of checks and statements. (Check images are available
the next day after posting date)
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Q
-
Can I access
WealthManager Online Banking from any computer?
A
- Yes, because there is no software to download, you can
access WealthManager Online Banking through any computer with Internet
access.
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Q
-
Are my transactions
immediately posted on WealthManager Online Banking?
A
- Yes, transactions are posted "real time".
However, transfers made after 8pm CST, are posted as next day. Please observe the following cutoff times on regular business days:
8:00pm CST for Transfers
2:30pm CST for ACH & Wires
Holiday hours ( times will vary)
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Q
-
How can I add accounts to my WealthManger Online Banking after the
initial setup?
A
- Fill out
an Online "Add
Accounts Request" or contact our Online Banking Specialist at
1-800-BNC-BANK.
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Q
-
Is there a fee for
transferring between accounts?
A
- There
is NO fee for this service.
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Q
-
Can I download to
Microsoft Money, Quicken or a similar program?
A
- Yes, you can download to Microsoft Money, Quicken and
Spreadsheets. Please contact our Online Banking Specialist
for more details at 1-800-BNC-BANK.
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Q
-
Can I change my
WealthManager ID and/or PIN#?
A
- Yes, once you log on for the first time, you will be
prompted to change your PIN #. Once you have done that and accessed
your BNC accounts, you may change your WealthManager ID and Pin at
anytime.
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Q
-
How secure is my
information I use online?
A
- Your
account information as well as applications and contact forms are
encrypted from the beginning to the end of the process. You will
notice a lock symbol in the lower right hand corner of your browser
window, which signifies the security ID.
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Q
-
Is any of my information stored on my local computer for others to
view?
A
- Customer
data is not stored on your local drive, the data remains on the banks
host system at all times.
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Q
-
What is
encryption and what level do I need?
A
- Encryption
rewrites the code in a way that can be decoded later with the right
key. Encryption employs a mathematical process for the key,
which is made up of a certain number of bits (ie..40-bit, 128-bit).
The higher the number of bits, the better the encryption. BNC's
encryption is set for 128-bit. All communication from you to the
system and from the system to you is encrypted using a maximum of 128
bits.
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Q
-
Are there any Non-Processing Days for Cash Management customers?
A
- Yes, here
is the list of non-processing days:
|
2009 |
2010 |
2011 |
|
|
New Year's Day |
Jan 1 |
Jan 1* |
Jan 1 |
|
Martin Luther King, Jr. Day |
Jan 19 |
Jan 18 |
Jan 17 |
|
Presidents' Day |
Feb 16 |
Feb 15 |
Feb 21 |
|
Memorial Day |
May 26 |
May 31 |
May 30 |
|
Independence Day |
July 4* |
July 5 |
July 4 |
|
Labor Day |
Sept 7 |
Sept 6 |
Sept 5 |
|
Columbus Day |
Oct 12 |
Oct 11 |
Oct 10 |
|
Veterans' Day |
Nov 11 |
Nov 11 |
Nov 11 |
|
Thanksgiving Day |
Nov 27 |
Nov 26 |
Nov 25 |
|
Christmas Day |
Dec 25 |
Dec 25* |
Dec 26 |
|
*All bank locations will be closed on these days. The Board of Governors is closed July 3, 2009, December 24, 2010, and December 31, 2010. Also, in observance of Inauguration Day, January 20, 2009. * Saturday
*For holidays
falling on Saturday, Federal Reserve Banks and branches will be open
the preceding Friday. |
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Q
- How many days should I allow to ensure my bill pay items arrive at the
payee company?
A
- Please
allow approximately 5-7 business days mailing time for check
payments and 2-3 business days for electronic payments.
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QUESTIONS?
Contact our Online Banking Support
at...
701-250-3017 (Bismarck, ND)
toll free 1-800-BNC-BANK
(1-800-262-2265)
or click here to send a secure email
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